In race driver grid is the drifting mode mandatory, can i play the whole game and unlock everything (except for the drifting related stuff of course) without ever having to do the drift mode or does the game force you to do the drifting mode occasionally?

I would like to erase my bank details off PSN (btw how do you do this?), but cant as I have forgotten my password. I set my PSN up last year and have been signing in automatically ever since, however now I need to know my password but I don't know it. What can I do?

If worst comes to worst I will simply delete my PSN and start over again, but will deleting the account delete all the details? Also how do I delete my PSN?

Very sorry about all the questions.